How to integrate the online loan industry and accelerate the platform transformation?

As an important part of Internet finance, online lending has expanded rapidly in recent years, while business innovation has deviated from the track and risk chaos has occurred from time to time. Many online lending institutions deviate from the positioning of information intermediary and serve small enterprises, relying on the essence of the Internet, and become credit intermediaries, resulting in self-financing, illegal lending, setting up a pool of funds, splitting deadlines, and a large number of offline marketing.

20 16 is called the "first year of supervision" of the online loan industry. In view of the problems existing in the development of the industry, from 2065438 to August 2006, the CBRC and other four departments issued supervision measures, which established the development direction of "small-scale, decentralized and inclusive" online lending industry. The Measures for the Supervision of Peer-to-Peer Lending put forward requirements for loan ceiling, fund deposit and filing registration, and set a transition period of 12 months. At the same time, two red lines are set for the industry: the upper limit of the loan balance of the same natural person on the same online lending platform does not exceed 200,000 yuan; The loan balance of the same legal person or other organization on the same online lending platform does not exceed 6,543,800 yuan.

Since then, all localities have gradually refined the supervision rules of online loans in accordance with the spirit of the supervision measures and combined with their own reality. According to the incomplete statistics of Zero One Finance, in the past year, government departments and industry associations at all levels have issued more than 50 P2P-related regulatory policies, from the Guidelines for Deposit and Management of Funds to the Guidelines for Filing Management and then to the Collection Specification. For example, at the end of September, 2065438+2007, Shenzhen Internet Finance Association successively launched a platform for online loan practitioners to enjoy illegal information, and issued guidelines for the business exit of online loan information intermediaries (draft for comments) to continuously promote and improve industry self-regulation.